2. Welcome!!Welcome!! Welcome Central HS! Welcome West Brook HS!

3. Become a Millionaire?

4. Assuming you were __ years old, how much money would you need to save each day to have a $1,000,000 at age __? Become a Millionaire? Assuming you were 17 years old, how much money would you need to save each day to have a $1,000,000 at age 65?

6. From athletes to doctors to hairstylist to…ANY thing you plan to do for a living…you need to know this…today…and may never hear it again. No matter what your plan is…

7. “How Money Works” What are the rules?

8. $2,000 $4,000 $8,000 $2,000 $4,000 $8,000 $16,000 $32,000 $2,000 $4,000 $8,000 $16,000 $32,000 $64,000 $128,000 $256,000 $512,000 72 ÷ 3% 72 ÷ 6% 72 ÷ 12% Rule of 72 24 Years 12 Years 6 Years 18 24 30 36 42 48 54 60 66 Age 3% 6% 12% Compound Interest$500,000

9. 19,623 Avg. # of meals in retirement x2 including a spouse ~40,000 Approximately x$10 avg. cost of a meal in 20-30 years $400,000 Just to EAT!! Putting things in Perspective

10. Loaner vs. Owner Banks 3-6% 18-21% Credit Cards Mutual Funds A B A. Loaner: Loses money to inflation. B. Owner: Benefits from inflation. Invest American Economy 12-25%

11. What is Safety? 1940 2012 …a 90% LOSS!

12. $2 Billion Benefits of Mutual Fund Pooling of Assets: Hires a Professional Manager Individuals $25-1000+/mo. Banks $1-5 Mil. Institutions $100-500k/mo. Insurance Co. $1 Mil.

13. $2 Billion DiversificationTechnology Energy Finance Retail

14. CBS Ford AT&T Dupont Compaq Chevron Citigroup Motorola Best Buy CBS Ford AT&T Dupont Compaq Chevron Citigroup Motorola Best Buy Outback Steakhouse International Paper Southwest Airlines General Electric General Motors Columbia/HCA Campbell Soup NationsBank Walt Disney Outback Steakhouse International Paper Southwest Airlines General Electric General Motors Columbia/HCA Campbell Soup NationsBank Walt Disney IBM MCI Mobil Reebok Dillards Walmart Microsoft Coca Cola McDonalds IBM MCI Mobil Reebok Dillards Walmart Microsoft Coca Cola McDonalds

15. Dollar Cost Averaging $50/Month for 6 Months 123456123456 $20 18 16 14 12 10 8 6 4 2 0 Example 1 Rising Market Example 2 Fluctuating Market

16. Number of Shares Bought Number of Shares Amount Value Accumulated Invested (At Final Price) $50/Month for 6 Months 123456123456 $20 18 16 14 12 10 8 6 4 2 0 Month123456 Dollar Cost Averaging Example 26.2510.0016.6725.0012.506.25 Example 2 Fluctuating Market Example 1 Rising Market Example 16.255.004.173.573.132.78 Example 1 24.90 $300 $448.20 Example 2 76.67 $300 $613.36

17. The Story of John and Mary $166.66/mo. $54,988 10/2/70 - 3/31/98 John runs out of money! Total received: $215,309 $0 Age 57 22 $171,867 7.40% $2,500/mo. or $30,000/yr. CD Mutual Fund $1,470,703 Mary has drawn off $1,200,000! Age 60 $1,151,554 18.05% $10,000/mo or $120,000/yr. 50

18. Assuming you were 17 years old, how much money would you need to invest each day to have a $1,000,000 at age 65? Become a Millionaire?

19. If you know the rules... $1.28 per DAY!

20. Coke$.50 = $170 Movie$7 = $2,082 CD$15 = $4,625 What is the REAL Cost? Stereo$279 = $86,043 Shirt$50 = $15,418

21. What is the REAL Cost? Cost of Smoking: I recently calculated the cost to smoke from age 15-55...40 years, 1 pack/day*. So, a pack/day is 30 cartons for a year. This is $1,200** a year in ciggies. If a person were to invest the same $1,200 a year, they could have almost $1,000,000 by the time they were 55. So, this is just a little greater than the $48,000 out of pocket expense when you consider the FTV of money when saved in a quality equity investment. * Ok, so a young person may not actually smoke a pack a day now, but they will soon...and eventually they will smoke more than a pack a day, so the average is 1 pack/day. ** Assuming a person actually buys their cigarettes a carton at a time...but since coming up with $40 for an entire carton might be tough, this might actually cost even more = ?+

22. 17$776,179 Cost to Wait 5 years$426,112$350,067$1,500 1 year $688,535$87,644 $300 1 Month $25 = $7,709 $25 / Month @ 12% to age 65 The HIGH Cost of Waiting

23. It Pays to Start Early! At a 10% Rate of Return

24. Know the Rules! I.Know how money works

25. Know the Rules!

28. I.Know how money works V.Make good choices IV.Work hard III. Have a Written Plan II.Dream BIG…set GOALS

29. The Right Choices The decisions you make today will determine your opportunities of tomorrow.

31. Trained to be an Employee It’s the way of the world…you work for an hour and you get paid. Unfortunately, this is a system that leads to frustration and disappointment. What if there was another way? First…a couple of video clips –(time permitting)

32. Secret To Financial Independence EMPLOYEE HAS A JOB INCOME BASED ON POSITION NOT THE PERSON BUSINESS OWNS A SYSTEM HAS OTHERS WORKING FOR THEM UNLIMITED INCOME POTENTIAL MANUFACTURING, MARKETING, ETC. SELF EMPLOYED OWNS A JOB DENTIST, DOCTOR, LAWYER, HAIR STYLIST REAL ESTATE AGENT, SALESPEOPLE INVESTOR HAS MONEY WORKING FOR THEM ENJOYS COMPLETE FREEDOM, LIVES THE DREAM 25-30 Years 5-15 Years

33. The Right Vehicle! The “vehicle” you choose will determine where you go in life.

34. Contact Information If you have any questions, please feel free to call: Michael Overstreet (409) 860-9200

35. Contact Information If you have any questions, please feel free to call: lokerd@hotmail.com Drew Loker (409) 454-4737 or